Credit Executive, Credit Evaluation Department (Head Office) Responsibilities: - Review, evaluate and recommend fresh business credit proposals / business loan applications received from branches.
- Evaluate and recommend annual reviews of existing borrowings as well as prepare memos / letters to branches and financial institutions (FIs).
- Ensure timely and acceptable recommendation for Management’s consideration within the stipulated time frame (ageing).
- Ensure accuracy and accountability of information / data provided by customers through branches.
- Liaise with FIs, customers and branches for additional information / confirmation as and when required.
- Ensure full compliance of and adherence to the Corporation’s internal guidelines to ensure quality of loans.
Requirements: - Candidate must possess at least a Degree in Business Administration, Economics, Finance, Accounting, Banking or equivalent.
- At least 2 years of working experience in the evaluation of business credit proposals / business loan applications.
- Preferably with good knowledge in Credit Assessment, Credit Management, Credit Risk and Financial Analysis.
- Excellent communication, writing and interpersonal skills.
- Strong analytical skills with aptitude for details.
Executive, Direct Lending & Securitisation Department (Head Office) Responsibilities: - Process new proposals for loan guarantee and renewal of loan guarantee to achieve the target set.
- Check and verify the Query Report against application form and all the documents submitted by Financial Institutions (FIs) for processing the loan.
- Prepare letter / memo to Loan Administration Department, to either cancel Letter of Guarantee (LG) or to confirm if there are any outstanding guarantee fees.
- Prepare letter / memo to confirm the status of Non-Performing Loan (NPL) with Subrogation & Recovery Department.
- Attend to telephone queries pertaining to guarantee to ensure that customers and FIs can obtain accurate information on application status and other related information promptly.
- Process and monitor securitisation of SME loans and Portfolio Guarantee application.
Requirements: - Candidate must possess at least a Degree in Business Administration, Finance, Accountancy, Banking, Economics, Commerce, Marketing or equivalent.
- At least 2 years of working experience in the related field.
- Have good knowledge in credit management, credit risk and financial analysis.
- Excellent communication, writing and interpersonal skills.
- Strong analytical skills with aptitude for details.
Executive, Loan Administration Department (Head Office) Responsibilities: - Generate invoices on weekly basis to ensure billings are promptly sent to financial institutions and CGC’s branches.
- Monitor guarantee fee payment based on officer’s portfolio to ensure payment is made accordingly to invoice issued and received within the specified period.
- Analyze the outstanding guarantee fees (by year) and have a clear understanding of the borrower’s account to determine actual fee due for payment is in order to maximize fee collection.
- Follow up with FIs on monthly invoice issued to ensure the payment is made within one (1) month from the date of invoice issuance.
- Adjust the borrower’s account (if eligible) due to termination of account, NPL, excess invoices, pre-payment reversal etc to ensure genuine outstanding guarantee fees are collected.
- Analyze, allocate and confirm credit notes, which are generated on monthly basis / when necessary for housekeeping purpose i.e. to alleviate fees being written off.
- Prepare and provide reports which are requested by Finance Department and Auditors to ensure the information given are accurate and reflected in the systems accordingly.
- Raise System Investigation Request (SIR) due to system errors, data integrity, system constraints etc as and when necessary to ensure smooth working flows.
- Attend to User Acceptance Testing (UAT) as and when necessary to ensure system errors are rectified, enhancement requirements are fulfilled accordingly, system interface and integration are running smoothly.
- Attend to correspondence and queries received via letters, internal memos and telephone calls from internal and external on guarantee fees status to clarify on matters concerning
Requirements: - Candidate must possess at least a Degree in Finance, Accounting, Banking, Business Administration or equivalent.
- At least 2 years of working experience in the related field.
- Possess credit knowledge and loan administration as well as financial analysis.
- Excellent communication, writing and interpersonal skills.
- Strong analytical skills with aptitude for details.
Executive, Claims Department (Head Office) Responsibilities: - Update the status of claims in the database.
- Process claims for various guarantee schemes with the highest degree of accuracy.
- Verify the documents / information prior to the preparation of claims report.
- Liaise with other departments relating to claims processing.
- Prepare and compile report on monthly claims projection and performed before deadline.
- Provide necessary information / statistics.
- Keep track and monitor accounts under conditional approval.
- Attend to correspondences and enquiries from various FIs for claims submission and status.
Requirements: - Candidate must possess at least a Degree in Finance, Accounting, Banking, Business Administration or equivalent.
- At least 2 years of working experience in processing claims / credit administration.
- Possess knowledge in report writing and financial analysis.
- Excellent communication, writing and interpersonal skills.
- Strong analytical skills with aptitude for details.
Executive, Marketing & Business Development Department (Head Office) Responsibilities: - Execute marketing strategies and plans on existing and new guarantee schemes as well as joint promotions with partners and FIs for business growth.
- Prepare and coordinate briefing session/ seminars/ exhibition for bankers / public / CGC branches.
- Maintain good business rapport with FIs to ensure business growth.
- Develop effective monitoring and reporting on the performance of participating financial institutions, branches and other relevant programs to drive at meeting departmental and the Corporation’s annual budget and target.
- Provide constructive feedback for product improvement and innovation based on constant communication with coordinators at the various FIs.
- Prepare reports, proposals as well as post mortem analysis of all marketing activities for management and Board.
- Ensure all marketing and promotions materials such as brochures, leaflet, buntings and presentation materials are sufficiently available when required.
Requirements: - Candidate must possess at least a Bachelor's Degree in Marketing / Business Administration / Public Relation or equivalent.
- At least 2 years of working experience in marketing and promotion preferably in banking / financial industry.
- Excellent communication, writing, interpersonal and negotiation skills, result oriented and independent.
- Computer literate and willing to travel.
Executive, Branch Supervision (Head Office) Responsibilities: - Monitor branches' performance in relation to their Key Performance Indicators.
- Provide assistance and support to branches in their daily operation.
- Collate and consolidate periodical reports submitted by branches and ensure accuracy and timely submission
- Monitor and keep track of Direct Access Guarantee Scheme (DAGS) applications received by branches.
- Monitor and coordinate renewal progress.
- Assist in the follow-up on Internal Audit findings.
- Attend and verify staff's claims and bills payment.
- Attend to all correspondences between Head Office and branches.
Requirements: - Candidate must possess at least a Degree in Business Administration, Finance, Accountancy, Banking, Economics, Commerce, Marketing or equivalent.
- Good knowledge in credit and branch supervision.
- Minimum 2 years relevant experience.
- Excellent communication (written & spoken) and interpersonal skills.
- Strong analytical skills with aptitude for details.
Branch Executive (Nationwide) Responsibilities: - Candidate must possess a Degree in Business Administration, Finance, Accountancy, Banking, Economics, Commerce, Marketing or equivalent.
- At least 2 years of working experience in the related fields, preferably applicants specializing in the field of Credit Evaluation, Loan Monitoring & Rehabilitation, Subrogation & Recovery, Claims, Loan Administration, Direct Lending & Securitisation or equivalent.
- Excellent communication and written in both English / Bahasa Malaysia. Proficiency in Mandarin is an added advantage.
- Computer literate, good interpersonal and presentation skills.
Requirements: - Process new, superseded and review of applications under Direct Access Guarantee Scheme (DAGS) to achieve the target set.
- Prepare Accommodation Applications (AA) memo, conduct interviews and site-visits to the applications’ premises to ensure the customers’ credibility for loan facility.
- Attend to walk-in customers and telephone inquiries to ensure all inquiries are attended to promptly and information provided is accurate.
- Conduct marketing on Corporation schemes especially DAGS to promote the scheme.
- Establish and maintain relationships with Financial Institutions (FIs) to build good rapport and provide good services to FIs.
- Follow-up on approved loans for disbursement i.e. either with borrowers, solicitors or respective FIs branches to ensure the loans are disbursed within the time frame.
- Monitor the performance of DAGS accounts via reports from Loan Monitoring and Rehabilitation (LMR) to determine whether branch’s Key Performance Indicator (KPI) is met.
- Assist in handling of delinquent loans to reduce non-performing loans.
Executive, Systems & Methods (Head Office) Responsibilities: - To draft, prepare and produce new manuals to document the new work processes/procedures as the Corporation's source of reference.
- Update and review existing work processes to reflect the actual prevailing work processes as guidelines for respective users.
- Initiate and implement processes improvement plan for the existing work processes/turnaround time identified as unproductive or out of date for better improvement for those processes in line with the respective department's charter and objectives.
Requirements: - A recognized Degree in Accountancy, Banking, Finance, Economics, Commerce, Business Administration or equivalent professional qualification.
- Minimum 2 years relevant experiences.
- Good knowledge on documentation and workflows/ project management.
- Excellent communication, writing, interpersonal and presentation skills.
Executive, Strategic Planning & Research (Head Office) Responsibilities: - Assist in undertaking research to support existing and future business activities and recommend to Management on the actions to be undertaken.
- Assist in undertaking the preparation of periodic reports on developments taking place in the market/industry and the global economy for the Corporation's internal use.
- Assist in collating, analyzing and be responsible for the publication of relevant statistical data on financial and economic performance for the Corporation's internal use.
- Assist in preparation of relevant information and data in dialogues and forums on SME development/financing at national, regional and international level.
- Assist in establishing and maintaining networking with relevant organizations related to SMEs with a view to determine the SMEs latest and current needs in proposing business development activities.
- To prepare the Corporation's bulletin timely and accurately.
- Facilitate budgeting process for the Corporation.
Requirements: - A recognized Degree in Accountancy, Banking, Finance, Economics, Commerce, Business Administration or equivalent professional qualification.
- Minimum 2 years related experience.
- Knowledge in Credit, Financial Analysis, Product Development and Research.
- Excellent communication, writing, interpersonal skills, research and presentation skills.
- Applicants should be Malaysian citizens or hold relevant residence status.
Analyst Programmer, Information Technology Department (Head Office) Responsibilities: - Assist in the development, implementation and monitoring of Corporation’s computerised application systems (Wintel and Unix environment).
- Ensure all business applications being developed are in accordance to the development methodology and meet the project schedule.
- Assume support responsibilities for Corporation’s business applications.
- Design, code, test and document programs and participate in reviews to ensure that the programs are well written and adequately tested against prescribed standards.
- Ensure technical documents such as program specifications, procedures, user manuals, test plan, migration plan and checklist is drafted and composed accordingly.
- Review existing systems from time-to-time to identify areas for improvements.
Requirements: - Candidate must possess a recognised Degree in Computer Science / Information Technology / Computing Information System.
- Minimum of 2 years working experience in the related field.
- Familiar with Oracle forms, development standards and methodology is an added advantage.
- Possess strong interpersonal skills and good written and spoken in both Bahasa Malaysia and English.
- Strong analytical skills with aptitude for details.
- Able to work independently with minimal supervision.
Business Intelligence – Assistant Manager / Analyst, IT Department (Head Office) Responsibilities: - Prepare data definitions and standardization for data integration in enterprise warehouse and knowledge development.
- Meta data management ensuring high data quality standards from end to end including data quality improvement initiatives, process reengineering, establishment of efficient data flow architecture, system integration and data enrichment.
- Information support for Bank Negara Malaysia (BNM) reporting as well as support for business and operations units for their performance tracking, business development and marketing and operational control requirements etc.
- Non-Performing Loan (NPL) data management including timely provision of NPL and asset quality related information and reports for statutory reporting as well as internal performance tracking purposes.
- Owner and driver of the Corporation’s operational Credit Information Services (CIS) project, aimed mainly to establish a central customer database for Single Customer View via the establishment of a central platform through system integration and introduction of data entry standards.
- Owner and implementer of Fund Transfer Pricing (FTP) system which is expected to play a major strategic role in support of the Corporation’s revised profitability framework in line with international advanced banking practices and equitable measurement of profitability and accountability across business units.
- Active involvement and support for enterprise data related initiatives such as Basle 2, IFRS, bank transformation initiatives etc.
Requirements: - Candidate must possess at least a Degree in Management Information System, Computer Science, Information Technology or equivalent.
- At least 5 years (Assistant Manager) / 2 years (Analyst) of working experience in the related experience in a similar capacity.
- Excellent communication, writing and presentation skills.
- Have strong leadership, interpersonal and analytical skills, inquisitive and resourceful.
IT Audit Executive, Internal Audit Department (Head Office) Responsibilities: - Prepare and plan IT audit assignments schedule.
- Conduct information gathering for an audit assignment.
- Plan and organize the audit of IT systems and operations, and any other special assignment as and when needed.
- Prepare IT audit programs and audit working papers.
- Manage and monitor the timeline for the audit assignments.
- Prepare audit reports and review the working papers of team members.
- Examine and evaluate the activities of the IT systems and IT Department.
- Report the status of IT audit assignments and discuss audit findings with superior.
- Finalize and close audit assignments.
Requirements: - Minimum a Degree in Accounting / e-Commerce / MIS / Project Management / Information Technology, professional accounting qualification or related disciplines.
- Minimum 2 to 3 years of working experience in IT auditing or in similar capacity.
- Good knowledge in IT operations and auditing techniques (i.e. operation audits, business analysis, program evaluation, project management, risk management, security management and “system design and life cycle management” (SDLC), Operating System Audit such as Windows, Unix and Oracle). Working knowledge of a computer assisted audit techniques such as ACL would be an added advantage.
- Possess good analytical and writing skills.
- Must demonstrate the enthusiasm and versatility required in conducting appraisals of the various IT systems.
Audit Executive, Internal Audit Department (Head Office) Responsibilities: - Prepare and plan audit assignments schedule.
- Conduct information gathering for an audit assignment.
- Lead and undertake audit assignments which encompass financial and operational audits.
- Prepare audit programs and audit working papers.
- Manage and monitor the timeline for the audit assignments.
- Prepare audit reports and review the working papers of team members.
- Conduct pre-exit meeting with the auditee.
- Report the status of audit assignments and discuss audit findings with superior.
- Finalize and close audit assignments.
Requirements: - Candidate must possess at least a Degree in Finance / Accounting.
- At least 2 years of working experience in internal or external auditing, with at least 2 years in a supervisory capacity/role in the area of financial and operational audits.
- Member of a professional accounting body will be an added advantage.
- Good communication and presentation skills.
- Proficient in both written and spoken English and must be computer literate.
- Must be resourceful, positive and proactive in nature.
- High degree of personal responsibility, independence, flexibility and diligence.
- Strong analytical skills with aptitude for details.
Assistant Manager Credit Risk, Risk Management Department (Head Office) Responsibilities: - Develop and recommend credit policies and guidelines for Management Committee’s and Board Risk Management Committee’s review and Board’s approval.
- Develop suitable credit risk models.
- Quantify and analyze credit risk by products, sectors, branches, financial institutions, etc.
- Assist in reviewing and monitoring of Non-Performing Loan threshold and exposure.
- Monitor of high risk sector and group exposure.
- Prepare periodic reporting of credit risk exposures by products, sectors, branches, financial institutions, etc. for Credit Risk Management Committee and Board Risk Management Committee meetings.
- Periodic reporting on analysis of default risks by borrowers.
- Perform regular statistical and stress-based analysis of the Corporation’s portfolio.
- Prepare periodic reporting on the quality of credit portfolio of the Corporation.
- Perform independent credit risk assessment and review of credit proposals to be tabled at Loans Committee based on acceptable credit risk profile of the Corporation.
- Monitor staff attendance and performance.
- Perform any other related tasks as assigned from time to time.
Requirements: - Candidate must possess at least a Bachelor's Degree, Post Graduate Diploma, Professional Degree, in Statistics, Mathematics, Actuarial Science, Economics, Finance, Banking or Accountancy. Other relevant qualifications such as ACE (Advanced Credit Enhancer), CCP (Certified Credit Professional) or qualifications related to credit risk assessment and/or credit evaluation/processing experience.
- More than 5 years working experience in credit risk management preferably in the banking industry.
- Excellent communication and report writing skills.
- Able to present reports to Management and Board.
- Team player and able to work under stress and long hours.
- Computer literate.
- Knowledge of SPSS (Statistical Package for the Social Sciences), SAS (Statistical Analysis System) and other statistical tools will be added advantage.
Assistant Manager Portfolio Management, Risk Management Department (Head Office) Responsibilities: - Assist Head of Department in the validation and re-calibration of internal risk rating model, to ensure the effectiveness of the rating in minimizing defaults.
- Assist Head of Department in identifying appropriate risk management tools.
- In-charge of portfolio risk management and providing analysis on portfolio risk management.
- Prepare the Quarterly Credit Risk Reporting which is tabled at Board Risk Management Committee.
- Provide on-going review of policies and guidelines.
- Monitor watch-list accounts and early alert management.
- Take on the role of the Secretariat in Credit Risk Management Committee meetings.
Requirements: - Degree in Statistics, Mathematics, Actuarial Science, Economics, Finance or Accountancy. Other relevant qualifications such as CRP (Certified Risk Professional), CCP (Certified Credit Professional) or qualifications related to risk management.
- More than 3 years working experience in credit risk management preferably in the banking industry.
- Well versed in portfolio risk management (preparation of quantitative reports and providing predictive analyses).
- Well versed with BASEL II requirements and internal risk rating model.
- Involvement in BASEL II projects.
- Excellent communication and report writing skills.
- Able to present reports to Management and Board.
- Have relevant experience in managing risk or IT projects.
- Team player and able to work under stress and long hours.
- Computer literate.
- Knowledge of SPSS (Statistical Package for the Social Sciences), SAS (Statistical Analysis System) and other statistical tools will be added advantage.
Assistant Manager, Information Technology Department (Head Office) Responsibilities: - Manage and monitor Service Level Agreement with vendors and ensure optimum service delivery is met.
- Ensure optimal response time of technical support and user support services to minimize the downtime.
- Supervise and monitor the performance of Data Centre always in good condition to ensure optimal uptime.
- Ensure the accuracy and efficiency of the system i.e. the stability and efficiency of operations to support the business function.
- Record the layout of IT structure and system policies to ensure up to date information is always available.
- Prepare system upgrade planning to cater for the corporation growth.
- Plans and coordinates implementation and development of network systems, operating systems and communication systems to support the corporation growth.
- Prepare and present relevant reports/proposals to update/obtain approval from management.
- Ensure optimal uptime of the system hardware, network resources and sufficient IT resources for the corporation to operate.
- Assist in managing the Disaster Recovery Centre for the Corporation so that business continuity can be achieved during disaster and to ensure continuous review, update and testing of the Disaster Recovery Plan.
- Assist in monitoring attendance, performance and discipline of staff as well as assist in planning and recommending staff development and training requirements.
- Assume responsibility of other relevant tasks as assigned from time to time.
Requirements: - A recognised Degree in Computer Science / Information Technology / Management Information Systems or equivalent.
- Minimum 5 years related experience in similar capacity with proven track record as well as 3 years in Management role.
- Hands-on experience in HP-UX, Oracle Applications Developer, Oracle RDBMS, Microsoft NT, Microsoft Exchange, Outlook, Microsoft SQL, Windows, Operating System (Win 98. Win NT & Win 2000) Visual Basic and LAN System will be an added advantage.
- Professionally mature with the ability to work independently and possess strong leadership qualities.
- Possess effective communication, interpersonal and strong analytical skills.
Marketing & Business Development Manager (Head Office) Responsibilities: - Part of the management team to develop marketing and business development strategies and plans for the organization.
- Strategize in leading team to effectively execute marketing plans / strategies inclusive of follow-ups necessary to drive at delivery of targets and Key Performance Indicators (KPIs).
- Lead in the close monitoring of activities with regards to marketing budget, targets and KPIs as well as the preparation of monthly reports.
- Lead in establishing an end-to-end relationship management model with the Financial Institutions (FIs) from point of contact to reporting and updates.
- Establish and maintain good rapport with FIs and business partners to identify new business opportunities or enhance on existing relationship.
- Identify areas of growth via various segments / channels and to work closely with product development team in the development of products that will meet the needs of the segments / channels in line with the Corporations mission and vision.
- Formulate strategies with other relevant departments to continuously enhance on public awareness and corporate image.
- Continuously fine tune processes to obtain optimum team performance.
- Have the flexibility to assume responsibility of other relevant tasks as assigned from time to time.
Requirements: - Must have strong knowledge in banking or credit.
- Minimum a Degree in Marketing, Business Administration or equivalent.
- At least 7 years of working experience in marketing, promotion, product or business development with at least 2 years in a supervisory position / capacity.
- Excellent communication, negotiation and interpersonal skills.
- Proven leadership and team management experience.
- Enjoys business networking and is able to relate to people of all levels.
- Proactive and result oriented with outstanding past records in marketing or sales.
Executive, Loan Monitoring & Rehabilitation Department (Head Office) Responsibilities: - Monitor and review Non-Performing Loan (NPL) accounts and take pro-active measure to rehabilitate the accounts in order to reclassify the accounts to performing status.
- Act as mediator and advisor for an amicable resolution on the loan delinquency among borrowers, financial institutions and third party and recommend possible rehabilitation exercise.
- Track all accounts approved for restructuring / rescheduling via follow up with financial institutions in order to reclassify the accounts to performing loan status.
- Prepare report to the Management and Board on the overall NPL position, policies and strategies on loan monitoring and rehabilitation.
- Confirm NPL classification and reclassification submitted by financial institutions for all schemes.
- Monitor on specially tagged accounts and undertake appropriate plan.
Requirements: - A recognized Degree in Accountancy, Banking, Finance, Economics, Commerce, Business Administration or equivalent professional qualification.
- Minimum of 2 years experience in related field.
- Knowledge in credit and credit control processes.
- Possess excellent communication, writing, interpersonal and analytical skills.
- Applicants should be Malaysian citizens or hold relevant residence status.
Head Branch Supervision, Branch Supervision Department (Head Office) Responsibilities: - To ensure branches meets the target set up earlier by the Management.
- To ensure compliance with BNM and Management regulations and policy.
- To monitor branches budget and expenses incurred.
- Staffing matters inclusive relief personnel for branches, training, transfer of staff and any other personal matters.
- To check reports submitted by branch inclusive on NPL accounts.
- To ensure irregularities (if any) mentioned in the Audit Report are rectified by the branch and recommend any measures to be implemented.
- To conduct appraisal on Branch Manager and staffs under BSD inclusive recommendations for promotions, bonuses and disciplinary actions.
- To update branch on new policy or regulations imposed by BNM and Management.
- To perform any other functions deemed necessary as instructed by the Management.
Requirements: - Minimum a Degree in Finance, Accountancy, Banking, Economics, Business Administration or equivalent.
- At least 7 years of working experience in the related field.
- Must have good knowledge in credit processing, sales and marketing, loan monitoring and computer literate.
- Proven leadership and team management experience.
- Enjoys business networking and is able to relate to people of all levels.
- Good analytical thinking, excellent communication, writing, presentation and interpersonal skills.
Head - Legal and Company Secretary (Head Office) Responsibilities: - Provide legal advice on laws and regulations for smooth and efficient implementation of policies and strategies to meet CGC’s objectives and ensure the Corporation is in compliance with relevant legal and statutory requirements.
- Provide legal advice and support services in preparing legal documentations, render legal advice to protect the interests of the Company and facilitate in the resolution of legal issues relating to CGC.
- To act as Legal Advisor to Credit Bureau Malaysia to ensure the Bureau complies with all legal/regulatory requirements.
- Provide company secretarial services to the Corporation and the Bureau.
- Prepare documents such as resolutions and minutes relating to the Board of Directors, make arrangements for Board Meetings, ensure that Board papers are in an acceptable form before they are circulated to the Board members.
- Assume any other responsibilities as may be assigned from time to time.
Requirements: - Possesses a recognized law degree and a valid license to practice.
- Minimum 5 years experience in legal practice or within the legal department of a (corporation/banking/finance industry), particularly in areas involving the drafting and vetting of agreement, contracts and other documentations and handling corporate secretarial matters (preferably in banking/finance industry).
- Strong managerial and drafting skills are required.
- Meticulous with attention to details.
- Good analytical and problem solving skills.
- Strong communication skills in both written and spoken English and Bahasa Malaysia and the ability to communicate effectively at all level.
CGC offers career progression and learning opportunities as well as competitive staff benefits such as housing / car / computer / personal loans facilities, medical and dental coverage for self and family members and attractive performance based rewards. Interested applicants are required to send their completed application form together with the resume, stating current and expected salary along with a passport-sized photo and contact number to: recruitment@cgc.com.my OR HUMAN CAPITAL DEPARTMENT
CREDIT GUARANTEE CORPORATION MALAYSIA BERHAD
Level 13, Bangunan CGC, Kelana Business Centre,
97, Jalan SS 7/2, 47301 Petaling Jaya, Selangor. All applications will be treated in strict confidence. Only short-listed candidates will be notified. |
